Fund your education.
Build your future.
Explore flexible education loan options for undergraduate, postgraduate, professional and overseas study — compare offers, check your eligibility, and apply online.
*Illustrative starting rate. Actual rate depends on lender, course and profile.
Plan ahead
See your EMI before you apply
Move the sliders or type in exact figures to get an instant, illustrative estimate of your monthly instalment, total interest and total repayment.
This calculator gives an estimate only. Your actual EMI depends on the lender, processing charges and final approved rate.
Monthly EMI
Rs. 0Total interest
Rs. 0Total repayment
Rs. 0Why VidyaCred
Built around how students actually borrow
Competitive interest rates
Compare illustrative rates from multiple partner lenders side by side.
Flexible repayment
Moratorium during your course, then tenures of up to 15 years.
Quick application
Apply online in about 15 minutes, no branch visit required to start.
Minimal documentation
A short, clearly explained checklist -- nothing you can't find at home.
India & abroad
From domestic colleges to universities across six popular study destinations.
Secure & transparent
Clear terms upfront. We never ask for passwords, OTPs or PINs.
Loan products
A loan for every stage of study
Undergraduate Education Loan
For bachelor's degrees at recognised colleges in India.
Postgraduate Education Loan
Master's and doctoral programmes across disciplines.
Study Abroad Loan
Covers tuition, living costs and travel for overseas study.
Professional Course Loan
CA, CFA, medicine, law and other licensed professional courses.
Vocational & Skill Development Loan
Short-term certifications and skilling programmes.
Not sure which fits you?
Answer a few questions and get a personalised estimate.
Process
How it works
Step 1
Check eligibility
Share basic details about your course and co-applicant to get an estimate.
Step 2
Submit application
Fill out the online form with your personal, academic and course details.
Step 3
Upload documents
Add your admission, academic and income documents securely.
Step 4
Approval & disbursement
Our team reviews your file and disburses funds to your institution.
Paperwork, simplified
Documents you'll need
Most applicants already have these on hand. Exact requirements vary slightly by lender and course.
- Identity proof -- Aadhaar, PAN or passport
- Address proof -- utility bill, Aadhaar or rental agreement
- Academic records -- mark sheets and certificates
- Admission letter -- offer or admission letter from the institution
- Fee structure -- official fee schedule from the college or university
- Co-applicant income proof -- salary slips, ITR or Form 16
- Bank statements -- last 6 months for co-applicant
Study abroad
Popular destinations for Indian students
USA
UK
Canada
Australia
Germany
Ireland
Compare
Example loan options
The figures below are illustrative examples built from typical lender ranges — they are not guaranteed offers. Your actual rate and terms depend on the lender, your course and your co-applicant’s profile.
| Loan type | Interest rate* | Max loan amount* | Repayment period | Processing fee* | Collateral |
|---|---|---|---|---|---|
| Domestic UG / PG loan | 9.50% – 11.50% | Up to Rs. 20 lakh | Up to 15 years | 0.5% (max Rs. 10,000) | Above Rs. 7.5 lakh |
| Study abroad loan | 10.50% – 13.00% | Up to Rs. 1.5 crore | Up to 15 years | Up to 1% (max Rs. 25,000) | Above Rs. 40 lakh |
| Professional course loan | 11.00% – 13.50% | Up to Rs. 30 lakh | Up to 10 years | Up to 1% | Case-by-case |
| Vocational & skill loan | 12.00% – 15.00% | Up to Rs. 7.5 lakh | Up to 7 years | Up to 1% | Not usually required |
*Illustrative examples for comparison purposes only, not a guaranteed offer or rate quote.
Student stories
What our applicants say
Common questions
Frequently asked questions
Your dream education starts here.
Get a clear, illustrative estimate in minutes, then apply online whenever you’re ready.
Quick links
- Home
- About Us
- Eligibility Checker
- EMI Calculator
- Contact Us
Loan products
- Undergraduate Loan
- Postgraduate Loan
- Study Abroad Loan
- Professional Course Loan
- Vocational & Skill Loan
Contact
1800-123-4567 (toll-free)
support@vidyacred.in
Bengaluru, India
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